Minnesota · Plan year 2027 · Updated October 24, 2026
Minnesota health insurance for 2027
Minnesota residents buy marketplace coverage through MNsure, its own state-run exchange. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and a plan picked by December 15, 2026 starts January 1. Minnesota expanded Medicaid, so adults qualify up to $22,025 a year for one person.
| Where to enroll | MNsure |
|---|---|
| 2027 open enrollment | November 1, 2026 to January 15, 2027 |
| Last day for Jan 1 coverage | December 15, 2026 |
| Medicaid expansion | Yes |
| State coverage mandate | No |
| Average 2027 rate change | +17.4% (approved), per the state's filings |
| Short-term plans | Allowed with state limits shorter than federal maximums |
What a plan costs in Minnesota
MNsure publishes its own plans and prices, which aren't in CMS's federal plan files, so we don't list county prices here. Get your benchmark silver price from MNsure's shopping tool and enter it in the subsidy calculator to see your credit.
Medicaid and CHIP limits in Minnesota
Yearly income limits in 2026 dollars. Medicaid checks current monthly income, so divide by 12 for the monthly figure.
| Group | % of poverty line | 1 person | 2 | 3 | 4 |
|---|---|---|---|---|---|
| Adults without children | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Parents | 138% | $22,025 | $29,863 | $37,702 | $45,540 |
| Pregnancy | 283% | $45,167 | $61,241 | $77,316 | $93,390 |
| Children under 1 | 288% | $45,965 | $62,323 | $78,682 | $95,040 |
| Children 1 to 5 | 280% | $44,688 | $60,592 | $76,496 | $92,400 |
| Children 6 to 18 | 280% | $44,688 | $60,592 | $76,496 | $92,400 |
| CHIP | - | - | - | - | - |
| MinnesotaCare | 200% | $31,920 | $43,280 | $54,640 | $66,000 |
MinnesotaCare covers adults from 138% to 200% of the poverty line who would otherwise buy a marketplace plan, usually at little or no premium.
Extra help from Minnesota
- MinnesotaCare (Basic Health Program). Residents with income up to 200% FPL not eligible for Medical Assistance; must be citizen/national, DACA grantee or lawfully present (undocumented adults barred from new enrollment since June 15, 2025); sliding monthly premiums. (source)
- Minnesota Premium Security Plan (reinsurance). Not a consumer subsidy; lowers all individual-market premiums. (source)
Get a reminder before Minnesota's deadline
Email onlySources: MNsure and CMS state marketplace list (exchange and dates); MACPAC MACStats, February 2026, and state Medicaid agencies (limits); HHS 2026 poverty guidelines; IRS Rev. Proc. 2026-26. All checked October 24, 2026. Methods.
Questions people ask
When is open enrollment in Minnesota for 2027?
MNsure opens November 1, 2026 and closes January 15, 2027. Pick a plan by December 15, 2026 for coverage that starts January 1.
What is the Medicaid income limit in Minnesota?
Minnesota expanded Medicaid, so adults 19 to 64 qualify up to 138% of the poverty line: $22,025 a year for one person in 2026, checked against monthly income.